Thank you all for your words of support. It just frustrates me and I question the management of a company who will let lame brain idiots make statements to people and in turn also give them the power to make quantative write down offers on accounts. I presume that a commission must be paid against t...

Evening all...I could do with some assistance and to know whther anyone has had this approach from MBNA. Last night I had a call from an Irish Woman telling me that I neede to get them paid upto date. She gave me till this evening to contact het and she advised that she would be my account manager f...

If Andy101 enters into an IVA will he still be able to act as a guarantor for a lease car.

I had a strange call tonight from MBNA. I have debt with them on a card for £23k. They have only had token payments since May whilst we have been deciding where to go with our debt. During the conversation they gave me 3 options. Option 1 - Pay £200 a month till the debt is clear and all Interest wi...

Andy also had a note of several other companies. bell hire was one I think www.bellhire.com

I noticed an advert in our yellow pages that also stated that they could give an immediate decision..what a scam

Is this so. Are they to stop advertising BR in local papers and probably only maintain the advert in the gazette

Andy...No there is no OD on the account. But even still can they attach an account in joints names as the credit card is not joint and several

Will this position exist once the IVA has been set up. Halifax have always been good with us and once the IVA was in place then we would like to continue banking with them so that in 4 years time we are still good standing for the possible remortgage as they will see that a sensible banking approach...

I have a joint account with my wife at the Halifax. We also have our mortgage with the Halifax. Both my wife and I are looking at an IVA. Are the Halifax entitled to apply offset to our joint account to recoup the amount I owe them on a Credit Card. The card is in my name. Also have any of the exper...

I presume that this thread must have been edited. Certain sections of text have been omitted.

Carlisle United FC

Melanie..Many thanks but in your defence I am going to contact you with regards to the IVA anyways as I have read nothing but praise on this forum since I saved it to my favourites. I will email later today after I have dropped my sons off to watch our local football team get beat again...both them ...

Thank you all for your comments, I shall raise some of the points with my accountant. He is not aware that I am considering an IVA so is more concerned that I may have to personally except a transfer of liability from the company. In regards to the amounts owed by debtors. The smaller 10k amount has...

Melanie. I take your point regarding making a move now, but surely I would need to know about the amount of a possible penalty from the HMRC prior to the IVA being accepted, or would this amount be tagged on to the back end after it had been accepted (HOPEFULLY ACCEPTED)..